PGBL vs VGBL
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
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About this tool
Simulador completo PGBL vs VGBL com IR regressivo, economia anual da dedução PGBL, reinvestimento da economia e montante líquido no resgate.
Frequently asked questions
PGBL sempre vence?
Só se você declara IR completo e aporta ≤ 12% da renda anual. Senão, VGBL com tabela regressiva é melhor.
Posso mudar de tabela?
Progressiva → regressiva: sim, a qualquer momento. Regressiva → progressiva: NÃO, é irreversível.
Posso portabilizar?
Sim, qualquer plano PGBL/VGBL tem portabilidade gratuita sem incidir IR. Use para fugir de taxas altas.
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Investment disclaimer
Simulations are informational and based on publicly available rate tables. They do not constitute investment advice, a securities offering or regulated financial consulting under SEC and FINRA rules (US) or MiFID II and ESMA guidelines (EU). Past performance does not guarantee future returns. Consult a licensed financial professional (CFP, CFA, RIA in the US; MiFID-authorized adviser in the EU) or your bank before making final decisions.
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